Understanding Alliance One
Alliance One Debt Collection Harassment and Legal Action
Are you tired of having debt collectors like Alliance One calling you? You are not alone; many people are as well. Alliance One debt collection agency may be calling you concerning a debt they claim you owe. You are under no obligation to pay a debt just because a debt collector says so. Many individuals do not have a direct contract with the debt collection agency pursuing their debts. If Alliance One is calling you, then you should seek to understand the situation on ground before making decisions.
Municipal departments often handle delinquent accounts and may transfer these accounts to collection agencies. When this happens, payments should be made directly to the collection agency instead of the department.
You need to understand that collection agencies are 3rd party debt collectors and you do not owe money to them directly. Therefore, making payments to them immediately after they call may not be one of the best decisions.
Another thing you should understand is that you have rights. When it comes to Alliance One debt collection, there are laws that protect you from unfair treatment.
Alliance one collection agency should not be calling you several times in one day. They also shouldn’t be calling you late at night or early in the morning. That counts as Alliance One phone harassment.
If you are currently going through Alliance One debt collection, then you must be fully aware of your rights under the FDCPA. The knowledge of these rights will help you know that activities like Alliance One phone harassment are unlawful and can be unfair to you.
When Alliance One collections calls you to talk about a debt, speak politely to them, and listen to what they have to say. The Alliance One debt collection process should ordinarily be a stress-free process but if you suspect Alliance One phone harassment, contact us now.
Harassment and Abuse
Debt collection can be a stressful and overwhelming experience for individuals who owe debts. It is important to resolve any disputes directly with the collection agency to avoid further complications. Unfortunately, some debt collectors may resort to harassment and abuse tactics to try to collect debts. Issues can often be resolved by contacting the collection agency and discussing the concerns. Recognizing these tactics is crucial for protecting yourself and knowing how to stop them.
Recognizing Harassment Tactics
Harassment tactics used by debt collectors may include:
- Repeated phone calls or messages: Constantly calling you multiple times a day.
- Threats of legal action or arrest: Intimidating you with threats of lawsuits or jail time.
- Use of abusive or profane language: Using offensive or threatening language.
- Contacting friends, family, or employers: Reaching out to people you know to pressure you into paying.
- Making false or misleading statements: Providing incorrect information about your debt or the consequences of not paying.
If you’re experiencing any of these tactics, it’s essential to take action to stop the harassment.
Stopping Harassment
If you’re being harassed by a debt collector, there are steps you can take to stop the calls and protect your rights. Understanding your rights and the appropriate actions to take can help you manage the situation effectively.
Steps to Take to Stop the Calls
- Verify the debt: Request a collection notice from the debt collector to verify the debt. This notice should include the amount owed, the original creditor, and any other relevant information.
- Dispute the debt: If you don’t owe the debt or disagree with the amount, dispute the debt with the collector. You can do this by sending a letter or email to the collector.
- Request a cease and desist: If the collector is engaging in harassment tactics, request a cease and desist letter. This letter should instruct the collector to stop contacting you.
- File a complaint: If the collector continues to harass you, file a complaint with the Federal Trade Commission (FTC) or your state’s Attorney General’s office.
- Seek legal advice: If you’re experiencing persistent harassment or abuse, seek legal advice from a consumer protection attorney.
Remember, you have rights as a consumer, and debt collectors must follow the law when collecting debts. Don’t hesitate to take action if you’re experiencing harassment or abuse.
Paying off old debts.
Paying off an old collection or charge off will not increase your credit score. Once a debt is paid, it is reported to the credit bureaus, which can impact your credit score. When you pay an older collection account or charge-off account, your credit score most likely will suffer. Think twice before paying off an old collection or charge off.
By paying your expired debt, it renews the date of the last activity. The collection company or creditors can now report the account for another 7 years. Everyone knows debt collections are bad for your credit score. Any past due accounts including debt collections have negative effects. These accounts report on your credit report for up to 7 years. As accounts age, they have less and less impact on your credit score. Many consumers believe that by paying off collections or charge-off accounts, they will raise their credit scores. It certainly seems logical; however, it is far from the truth. If you are concerned about your credit score, paying off debts prior to obtaining any other type of loan or mortgage can greatly hurt your credit score. Ultimately, if it is an older account when paid off (or when payments are made on the account), doing so can be devastating to one’s credit score.
Is the Debt Still Valid?
After a certain period of inactivity on an account, a debt becomes time-barred and debt collectors can no longer sue you for it. This period is known as “the statute of limitations on debt” and varies by state. If the statute of limitations has passed, it is illegal for a debt collector or creditor to sue you. You need to be careful in communicating with a debt collector because the debt statute of limitations can easily be restarted by acknowledging that you owe the debt, making a payment, entering a payment plan, making an agreement to pay, or making a charge on the account after 7 Years. Collection and charge-off accounts should only remain on your credit report for 7 years. It is important to check your credit reports as the credit bureaus often continue reporting such accounts over the 7-year limit.
Is Alliance One a scam?
According to the Better Business Bureau website, Alliance One has been in business since 1999. Alliance One’s financial strength is a key asset that underpins their services, ensuring stability and reliability. Alliance One’s financial strength and innovative strategies make them the envy of our industry. They have been recognized with a 2023 award for their leadership in the Global Debt Collections Services industry. There have been 52 complaints closed in the last 3 years and 16 complaints closed out in the last 12 months. Read more about them here: Alliance One Receivables Management, Inc Better Business Bureau
Debt Collection Services
Alliance One offers a comprehensive range of debt collection services, designed to help clients recover outstanding debts efficiently and effectively in the global debt collections services industry. Their financial strength, imagination, and technological sophistication enable them to provide innovative and effective solutions. Private collection agencies play a crucial role in managing delinquent accounts on behalf of municipal governments, utilizing various methods such as dunning and legal action to ensure payment of taxes and services owed. Their success is measured by your satisfaction, ensuring that their services align with client goals. The company’s services include:
- Primary and secondary collection services
- Debt collection notice and communication
- Legal action and litigation support
- Account management and customer service
- Technology-driven solutions for debt recovery
Alliance One’s debt collection services are tailored to meet the specific needs of its clients, with a focus on continuous improvement and customer satisfaction. The company’s team of experienced professionals works closely with clients to understand their unique requirements and develop customized solutions to achieve their debt recovery goals. Alliance One has also been recognized in the services industry by Frost & Sullivan, highlighting their achievements and strengths within the sector.
Who is Alliance One Collection Agency?
Alliance One is the third-party debt collector located in Trevose, Pennsylvania. They define their services in relation to customer goals and satisfaction, emphasizing a personalized approach. Being a subsidiary of Teleperformance USA, the company collects delinquent debts on behalf of financial services companies, credit card lenders, health care providers, and government agencies. It is important to provide clear details about account issues and complaints to ensure effective resolution. If you are in communication with a representative from the agency, it is important to note that Alliance One receivables management inc is only a third-party debt collector and does not own any of the debts they are collecting on.
For resolving account issues, you may need to submit a death certificate to their office in Plymouth Meeting, PA.
Contact Information
Address: 4850 E Street Rd Ste 300 Trevose, PA 19053-6643 Phone: (215) 354-5500 Fax: (215) 396-7255 & (800) 501-4743
Alliance One Phone Numbers
Are you receiving any harassing phone calls from any of these numbers?
215-354-5511, 800-855-4472, 800-620-1975, 866-405-7241, 877-876-7886
If so, you may be a victim of Alliance One debt collection harassment. If you suspect that you are a victim of debt collection harassment, call us now at 877-700-5790 for further assistance.
The following is a sample list of complaints filed against Alliance One in 2018 and can be found on Pacer.org.
2:18-cv-01682-WED Voeks et al v. Alliance One Receivables Management Inc
2:18-cv-02428-JWL-JPO Walker v. Alliance One Receivables Management, Inc.
2:18-cv-01741-AB ROMANCE v. ALLIANCE ONE RECEIVABLES MANAGEMENT
8:18-cv-00107-CEH-CPT Botto v. Alliance One Receivables Management, Inc.
2:18-cv-00083-NJ Czarnecki et al v. Alliance One Receivables Management Inc
CONSUMER RIGHTS LAW FIRM, PLLC
Consumer Rights Law Firm, PLLC is a law firm that specializes in helping clients who are facing harassment from debt collectors in any form, including telephone communication. Contact a legal professional to stop Alliance One debt collection harassment. Our office has been assisting consumers since 2010. We have an A+ rating with the Better Business Bureau.
Consumer Rights Law Firm, PLLC Better Business Bureau
If you are interested in learning more about how to safeguard yourself and prevent even more Alliance One debt collection harassment, call us at (877)700-5790 for immediate assistance or visit our website at www.consumerlawfirmcenter.com.
Success Stories
“What an amazing experience I had with Consumer Rights Law firm. I kept getting constant calls from a debt collector who was asking for someone I didn’t know. After explaining over and over I was not the person they were looking for, The calls still continued, it became frustrating and very annoying. I came across this firm and just called to talk to someone to see how I could get the calls to stop. I spoke to a gentleman that was very professional and very helpful. Not only did they get the calls to stop immediately, but they were also able to put some money in my pocket as well, Here’s the best thing, it cost me nothing for them to help me. They come highly recommended. Thank you Consumer Rights. Their strong work ethic truly sets them apart in the competitive landscape.”
“I had the pleasure of dealing with Consumer Rights Law Firm PLLC on 2 different occasions the staff was very courteous and helpful and they were familiar with the Collection Agencies in question and the harassment calls stop, I was even compensated. I would recommend this company to anyone going thru this type of harassment a very satisfied customer.”
“I would highly recommend the Consumer Rights Law Firm to anybody that has been harassed! They were very professional and straightforward about my rights.”
Check out the links below for more information:
https://consumer.ftc.gov/articles/debt-collection-faqs
Debt Collection Laws and Regulations
Fair Debt Collection Practices Act (FDCPA)
The Fair Debt Collection Practices Act (FDCPA) is a federal law that regulates the debt collection industry, protecting consumers from abusive and deceptive practices. The FDCPA sets out guidelines for debt collectors, including:
- Prohibiting harassment and abuse
- Restricting communication with consumers
- Requiring debt collectors to provide clear and accurate information about the debt
- Prohibiting false or misleading representations
- Requiring debt collectors to provide consumers with a written notice of the debt
Alliance One is committed to complying with the FDCPA and other relevant laws and regulations, ensuring that its debt collection practices are fair, transparent, and respectful of consumers’ rights. The company’s focus on customer value and technological sophistication enables it to provide effective and efficient debt collection services while maintaining the highest standards of compliance and ethics.
